July 2015 Garden Club/Cult

For just about anything you want to get off your chest about credit cards.
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CarefulBuilder14
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Re: July 2015 Garden Club/Cult

Postby CarefulBuilder14 » Sat Jul 04, 2015 8:47 pm

Another card I'm pretty happy about passing on is Discover Miles. One Discover is enough when they are all so similar, and Discover still requires multiple IDs/passwords for people with multiple accounts.

I'm finding that having cards I don't use much doesn't bother if they are easy to keep track of. It's the number of different issuers, IDs, and passwords I care about. I have 10 cards, but 6 of them are with Amex and Chase. I like the ability to go from EDP (heavy use) to BCE (minimal use) to check for any good offers or fraudulent activity with just a click. If BCE required a separate login ID, I'd think about closing it.

Apparently Barclaycard and the Sallie Mae CC team are wishing me a happy 4th of July via email. It would be a lot more sincere if they'd throw in some promo rewards!
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


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lobbythis
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Re: July 2015 Garden Club/Cult

Postby lobbythis » Sat Jul 04, 2015 10:40 pm

Haha, yea, Barclaycard isn't too keen with those useless emails. I got some other emails from them on other holidays too. I don't give a sh*t, Barclaycard.

MemberSince99
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Re: July 2015 Garden Club/Cult

Postby MemberSince99 » Sun Jul 05, 2015 6:19 am

CarefulBuilder14 wrote:Another card I'm pretty happy about passing on is Discover Miles. One Discover is enough when they are all so similar, and Discover still requires multiple IDs/passwords for people with multiple accounts.

I'm finding that having cards I don't use much doesn't bother if they are easy to keep track of. It's the number of different issuers, IDs, and passwords I care about. I have 10 cards, but 6 of them are with Amex and Chase. I like the ability to go from EDP (heavy use) to BCE (minimal use) to check for any good offers or fraudulent activity with just a click. If BCE required a separate login ID, I'd think about closing it.

Apparently Barclaycard and the Sallie Mae CC team are wishing me a happy 4th of July via email. It would be a lot more sincere if they'd throw in some promo rewards!


Years ago when I had two Discover cards, a More and a Miles or something like that, I was shocked to learn that unlike Amex, Discover does not link cards into one account. I was told then (this was years ago) they were "working on" fixing that.
I have a feeling years from now they'll still be "working on" it.

kdm31091
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Re: July 2015 Garden Club/Cult

Postby kdm31091 » Sun Jul 05, 2015 1:27 pm

MemberSince99 wrote:
CarefulBuilder14 wrote:Another card I'm pretty happy about passing on is Discover Miles. One Discover is enough when they are all so similar, and Discover still requires multiple IDs/passwords for people with multiple accounts.

I'm finding that having cards I don't use much doesn't bother if they are easy to keep track of. It's the number of different issuers, IDs, and passwords I care about. I have 10 cards, but 6 of them are with Amex and Chase. I like the ability to go from EDP (heavy use) to BCE (minimal use) to check for any good offers or fraudulent activity with just a click. If BCE required a separate login ID, I'd think about closing it.

Apparently Barclaycard and the Sallie Mae CC team are wishing me a happy 4th of July via email. It would be a lot more sincere if they'd throw in some promo rewards!


Years ago when I had two Discover cards, a More and a Miles or something like that, I was shocked to learn that unlike Amex, Discover does not link cards into one account. I was told then (this was years ago) they were "working on" fixing that.
I have a feeling years from now they'll still be "working on" it.


Yep even still in 2015 they require separate logins for accounts which I think is ridiculous. It's the one negative thing I can say about Discover. I'd love a Miles card someday but as stupid as it sounds the login thing is a big turnoff to me getting one. Just a pain in the ass.

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CarefulBuilder14
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Re: July 2015 Garden Club/Cult

Postby CarefulBuilder14 » Mon Jul 06, 2015 4:01 pm

Cap One is now issuing - on at least a limited basis - metal Venture and Venture One cards.

Relatively relaxed credit standards? Check.
High CLs? Check.
Metal? Check.
A good signup bonus? Check.

Could this be the ultimate fad card?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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Re: July 2015 Garden Club/Cult

Postby Vattené » Thu Jul 09, 2015 3:20 pm

CarefulBuilder14 wrote:Another card I'm pretty happy about passing on is Discover Miles. One Discover is enough when they are all so similar, and Discover still requires multiple IDs/passwords for people with multiple accounts.

I'm finding that having cards I don't use much doesn't bother if they are easy to keep track of. It's the number of different issuers, IDs, and passwords I care about. I have 10 cards, but 6 of them are with Amex and Chase. I like the ability to go from EDP (heavy use) to BCE (minimal use) to check for any good offers or fraudulent activity with just a click. If BCE required a separate login ID, I'd think about closing it.

Apparently Barclaycard and the Sallie Mae CC team are wishing me a happy 4th of July via email. It would be a lot more sincere if they'd throw in some promo rewards!


I have no big ones, personally. Once I actually paid more attention to credit and credit cards, I was pretty deliberate about what I considered and opened; however, I briefly and mildly entertained a Miles card, too. 1.5% over 1% on off-category spending for a non-AF card was nice, but the big draw was the double CB bonus after the first year. Glad I didn't go for one, though, after getting the exact same thing from my current card.



The Synch Walmart card always sends well-wishing holiday emails that are really Trojan Horses for pushing their deferred interest programs. I am pretty sure those offers are always standing, but they use even the most minor holidays to promote them (as in, "MLK Day is comimg up, so fortunately you can use your Walmart card to get you through all your shopping needs"). I have never used it before, but I wouldn't necessarily be opposed to it. They aren't too sneaky about disclosing the interest trick, but then again I am one of those credit nerds that actually pays attention to credit card terms, rewards, etc. Given all the anecdotes of people that have no idea their cards even have cash back, I imagine there are several that sign up for them and get bitten hard.
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FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

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Re: July 2015 Garden Club/Cult

Postby CarefulBuilder14 » Thu Jul 09, 2015 7:06 pm

Although I've opted out of pre-screened offers, I'm still getting a few mailings as my request takes time to go into effect. Citi has stopped sending me ads for Diamond Preferred, and has switched to Thank You Preferred.

My 80k bonus (plus 1k+ from spending) have appeared on IHG, along with my Platinum status. It only ended up taking about 3 weeks. I passed on the chance to buy more points cheaply, but I figure the chance will come again in a few months and 81k will last me for a bit.

I've not been using it much, but I might change Discover designs and switch from garnet to spruce.

I'll let my accounts and inquiries age for a while, and get a no-AF UNFCU card in and when I expect I'll actually need it.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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Vattené
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Re: July 2015 Garden Club/Cult

Postby Vattené » Fri Jul 10, 2015 9:45 am

I got the mix tape design a while back when they were sending me a chipped card anyway (I called as soon as I saw the new chipped card in my profile, hoping I could switch designs before it was actually mailed out, but it was too late and I ended up getting both). It's easily gotten the most comments of any card I have had...plus a fair share of double takes.
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

AMEXPlatino86
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Re: July 2015 Garden Club/Cult

Postby AMEXPlatino86 » Mon Jul 13, 2015 12:19 am

CarefulBuilder14 wrote:Another card I'm pretty happy about passing on is Discover Miles. One Discover is enough when they are all so similar, and Discover still requires multiple IDs/passwords for people with multiple accounts.

I'm finding that having cards I don't use much doesn't bother if they are easy to keep track of. It's the number of different issuers, IDs, and passwords I care about. I have 10 cards, but 6 of them are with Amex and Chase. I like the ability to go from EDP (heavy use) to BCE (minimal use) to check for any good offers or fraudulent activity with just a click. If BCE required a separate login ID, I'd think about closing it.

Apparently Barclaycard and the Sallie Mae CC team are wishing me a happy 4th of July via email. It would be a lot more sincere if they'd throw in some promo rewards!



That's the weird thing. When I was getting my mac laptop and I called them about some promo for financing but they said none was available so I put it on my AMEX Delta then all of a sudden they email me one saying it was available until May of this year. I was so unhappy about that so I doubt I'll use my Barclay for any Apple products.
Last edited by AMEXPlatino86 on Mon Jul 13, 2015 1:18 pm, edited 1 time in total.
Wells Fargo Platinum 2.100 (5/2011-cld 7/12/14)
AmEx Platinum (6/12)
Barclays Apple (6/12)
AMEX Gold Delta (5/13)
Marriott Rewards (7/14)

My credit score :cool:
EQ: unknown
EX: 762
TU: 752

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CarefulBuilder14
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Re: July 2015 Garden Club/Cult

Postby CarefulBuilder14 » Mon Jul 13, 2015 12:32 am

AMEXPlatino86 wrote:That's the weird thing. When I was getting my mac laptop and I called them about some promo for financing but they said none was available so I put it on my AMEX Delta then all of a sudden them email me one saying it was available until May of this year. I was so unhappy about that so I doubt I'll use my Barclay for any Apple products.

I'd rather have 12% cash back with Discover.

(1% base + 5% for the online shopping portal), doubled as part of a special promotion.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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